U.S. Bancorp
U.S. Bancorp is classed by the SEC under National Commercial Banks (industry code 6021), based in Minneapolis, MN. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $29 billion and a profit of $7.2 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.4 out of ten, 9 of 9 metrics filed: past 5.5 out of ten, present 5.3 out of ten, future 5.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2017. 75th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 2.8 out of ten. +10% a year over 10 filed years; profitable in 10 of 10. 28th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 4.5 out of ten. Share count grew 1.5% a year. 36% of cash flow returned. Insiders: 9 sales, 0 purchases. 45th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.2 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 52nd percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 7.3 out of ten. top 27% of 79 in its family; net margin 24.4%. 73rd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 2.6 out of ten. bottom 26% of 74 in its family for leadership; chief executive since 2026. 26th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 7.3 out of ten. top 27% of 71 in its family for room to expand. 73rd percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.9 out of ten. bottom 49% of 79 in its family for growth drivers. 49th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.7 out of ten. bottom 47% of 76 in its family for expectations against reality. 47th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-23 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-16 (on EDGAR). Newest filing: Form 424B2, 2026-09-17. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Kedia, Gunjan (President & CEO); Cecere, Andrew (Chairman and CEO); Philipson, Stephen L (Vice Chair); Richard, Jodi L (Vice Chair); Runkel, Mark G. (Vice Chair); Stern, John C (Vice Chair and CFO); Dilip, Venkatachari (SEVP & Chief Info & Tech Off); Badran, Souheil (SEVP, Chief Operations Officer); Barcelos, Elcio R.t. (Senior EVP, Chief HR Officer); Chosy, James L (Senior EVP and General Counsel); and 14 more. 24 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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